The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$30,272
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,214
−HK$956/mo
Today · 4.125%
HK$32,170
baseline
▲ 0.50% · 4.625%
HK$34,128
+HK$1,958/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,340/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$497,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,677
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,580
−HK$917/mo
Today · 4.125%
HK$35,497
baseline
▲ 0.50% · 4.625%
HK$37,368
+HK$1,871/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$70,994/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$497,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,326
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,456
−HK$1,148/mo
Today · 4.125%
HK$38,604
baseline
▲ 0.50% · 4.625%
HK$40,953
+HK$2,349/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$77,208/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,413
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,497
−HK$1,099/mo
Today · 4.125%
HK$42,596
baseline
▲ 0.50% · 4.625%
HK$44,841
+HK$2,245/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$85,192/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,381
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$43,699
−HK$1,339/mo
Today · 4.125%
HK$45,038
baseline
▲ 0.50% · 4.625%
HK$47,779
+HK$2,741/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$90,076/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,148
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$48,413
−HK$1,282/mo
Today · 4.125%
HK$49,695
baseline
▲ 0.50% · 4.625%
HK$52,315
+HK$2,620/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$99,390/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,490
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$56,184
−HK$1,723/mo
Today · 4.125%
HK$57,907
baseline
▲ 0.50% · 4.625%
HK$61,430
+HK$3,523/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$115,814/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$497,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,619
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$62,245
−HK$1,649/mo
Today · 4.125%
HK$63,894
baseline
▲ 0.50% · 4.625%
HK$67,262
+HK$3,368/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$127,788/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$497,839 · Scale 2, in force from 26 Feb 2026)